Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
Here are some of the rules regarding individual policies sold in Nevada:
Your coverage cannot be canceled because you get sick. This is called guaranteed renewability. You have this protection provided that you pay the premiums, do not defraud the company, and, in the case of managed care plans, continue to live in the plan service area. However, an insurance company can refuse to renew coverage if it is ceasing to offer all individual health insurance policies in Nevada.
If you are covered under a basic or standard individual policy and your insurance company discontinues this policy, all other individual health insurance companies must offer you coverage under their basic and standard policies. You cannot be turned down and no pre-existing condition exclusion can be imposed if you apply within 63 days.
Call the Nevada Division of Insurance if you have questions about an insurance company or the renewability of individual health policies.
Some insurance companies sell short-term health insurance policies. Short-term policies are not guaranteed renewable. They will only cover you for a limited time, such as six months. If you want to renew coverage under a short-term policy after it expires you will have to reapply and there is no guarantee that coverage will be re-issued at all or at the same price.
That premium seems pretty low. Make sure its not just a 6 month policy.
Best of luck, swagger. I'm in the same shoes as you. It is tough finding a good independent policy. I just entered a complaint with the NY Department of Insurance for allowing a 30% increase in premiums for a policy sold to sole proprietors. We'll see if it gets anywhere.
Yes, I believe it's in the Republican plan. Greatday started a thread about it that's gone on for about a zillion pages, and I read it in his summary of the plan. I haven't independently verified it, though.
This is not a republican plan or a democrat plan it is a BIPARTISAN plan that IMO is pretty good and got a budget neutral rating from the CBO.
Your cost is for one person. He is quoting about $300 for a family of four.
However, you failed to note that I was 62.5 when I got this policy and cost remained the same for the period until I went on Medicare at 65. Most people on here have indicated that my policy would cost upwards of $800/month given my age!
Lucky, lucky you. I wouldn't be able to have a policy like that. Two doctor's visits per year? Two specialist's visits per year? No brand name drug coverage? Even if I weren't excluded due to several pre-existing conditions, this policy would cover me for less than a month. And it wouldn't cover the only treatment that works for my Hashimoto's Disease, since generic drugs don't affect my symptoms. But bully for you for not supporting a program that might help other people, just because you don't need it.
Hmmm,if you support a UHC system it seems you WANT to burden others with paying for YOUR medical care....that seems quite selfish of you.
The premiums are low because it doesn't cover anything.
Actually it covers more than a policy I was offered in NY from a well known and long time company that had a 5K individual/10K family deductible, no coverage for office visits except 1 physical. It was $600 per month. Called an HSA Direct EPO. Worse still, you had to stay in network even though it was an HSA.
Why can't Obama let individuals to buy into the same policy the govt gives its employees? Volume of people should help lower costs compared to individual purchasers of insurance. I'm not looking for a handout here.
Yep, but remember it's a group plan, so we pay group rates. There are over 3000 people eligible for enrollment in the plan. That's why it costs what it does. Also it would be the same if I had 5 kids. They charge a flat kids rate. Actually my husband costs more to insure than my child.
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.
Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
